Jones and Bartlett Publishers, LLC. NOT FOR RESALE OR DISTRIBUTION. Part I Traditional Care: Hospitals and Health Care in the United States
|
|
- Vanessa McCarthy
- 8 years ago
- Views:
Transcription
1 Part I Traditional Care: Hospitals and Health Care in the United States
2
3 Chapter 1 Hospitals and Spiraling Healthcare Costs Acute care Average length of stay (ALOS) Hospitals Key Terms Non-proprietary Outpatient Proprietary INTRODUCTION Once upon a time, hospitals provided care almost exclusively; if people were sick, they either stayed home or were hospitalized. Today, the rate of hospitalization and the actual number of hospitals is decreasing as more and more services are being provided in outpatient care settings. Before the reader is introduced to numerous forms of outpatient care, to form a comparison between traditional inpatient care and the prevalent outpatient trends, we provide a quick overview of American hospitals. TYPES OF HOSPITALS AND COMMUNITY HOSPITAL STATISTICS Hospitals take numerous forms, such as federal (military hospitals, the Veterans Administration, or the Indian Health Service), state and municipal hospitals (hospital districts, county hospitals, or city hospitals), religious based (Catholic, Jewish, Methodist, etc.), or even specialty hospitals (women s, children s, or psychiatric). Hospitals usually provide short term (less than 25 days) or acute care. They can be small, serving rural areas, sometimes with 25 beds or less, or large, such as 800-bed centers delivering sophisticated and advanced levels of trauma care. Hospitals may also be physician-owned or a combination with a 3
4 4 HOSPITALS AND SPIRALING HEALTHCARE COSTS religious group; also, they may be proprietary (for-profit) or non-proprietary (non-profit), which is usually determined by the Internal Revenue Service. Though it would appear from Table 1-1 that hospital admissions grew from 29,252,000 in 1970 to 35,239,000 in 2005, this is misleading. After adjusting for population increase, we see that admissions per population actually declined from approximately 160 per thousand to approximately 112 per thousand, and this is in spite of an aging U.S. population. The number of hospitals also decreased during this time period, the number of beds per thousand decreased, and the average length of stay (ALOS) decreased. The alarming factor is the cost per day and the cost per stay for hospitalization. For the same time period it has literally skyrocketed. In sharp contrast, the number of outpatient visits has increased, as has the number of outpatient visits per member of the population (Table 1-2). Table 1-1 Selected Characteristics of All Hospitals With 100+ Beds Characteristics No. of hospitals 6,965 6,649 5,810 5,756 Beds (000) Admissions (000) 36,143 31,181 33,089 35,239 Admits/thousand Average length of stay (days) Cost per day ($) ,149 1,522 Cost per stay ($) 1,851 4,927 6,649 8,793 Source: Data from Statistical Abstracts of the United States, various years; National Center for Health Statistics and Health, United States, 2003: With Chartbook on Trends in the Health of Americans, 2003, Tables 95, 106, and 122. Table 1-2 Growth in Outpatient Visits Outpatient visits 133,545, ,700, ,700,000 Visits/person/year Source: Data from AHA Hospital Statistics, 2007 edition and prior years.
5 CHAPTER REVIEW 5 Table 1-3 Number of Ambulatory Surgery Centers, ,462 2,644 2,786 3,028 3,371 3,597 3,735 Source: Data from MedPAC, Report to Congress, July WHY OUTPATIENT PROCEDURES ARE GROWING To further demonstrate this trend away from hospitals and toward outpatient care, one clear example is the growth of ambulatory surgery centers. In a recent short period (6 years) the number of centers increased by 50% (Table 1-3). CHAPTER SUMMARY The number of hospitals in the United States has been declining during the last 30 years, as has the number of admissions per person. The average length of stay has also declined. Costs, however, continue to spiral upward. Because of advances in technology that have led to quicker and less invasive procedures, coupled with increased pressure from third-party payers (Medicare, Medicaid, insurance companies), health trends have seen outpatient procedures trump that of hospitalization. CHAPTER REVIEW 1. Why have inpatient hospitalizations decreased during the last 30 years? 2. Why have outpatient procedures increased dramatically? 3. What impact do physician-owned services have on the hospitals within their community? To protect themselves financially, should these hospitals form partnership relationships with these physicians? 4. What are several ways to classify hospitals? 5. What is the trend regarding the average length of stay in acute care hospitals? Why? (One interesting trend is that hospitals are removing physicians from their hospital s staff if they are found to be in economic competition with the hospital. This could be in the form of starting, sharing in, or referring to outpatient imaging centers or surgery centers.) Discussion: As the baby boomer demographic bubble ages, how long might the trend toward outpatient care continue?
6
7 Chapter 2 The Physician s Office: Both a Primary Care Provider and the Gatekeeper for Other Types of Health Care Allopathic doctors American College of Healthcare Executives (ACHE) Back office Certified nurse practitioner Front office Health Insurance Portability and Accountability Act (HIPAA) Key Terms Medical Group Management Association (MGMA) Medicaid Medicare Osteopathic doctors Physician assistant Primary care provider INTRODUCTION The general practitioner or primary care provider is many times referred to as the gatekeeper of the medical system. The general physician, practitioner, doctor, or primary care provider may simply answer questions or address concerns the patient may have or may refer the patient to a specialist, order a battery of tests or images, or prescribe medications. In any event, the primary care physician is usually the central point of entry into the healthcare system for all phases of health. WHAT IS A PRIMARY CARE PROVIDER AND ARE THERE DIFFERENT TYPES? Primary care physicians are those trained in general practice, family practice, internal medicine, obstetrics and gynecology, and pediatrics. To be referred to as 7
8 8 THE PHYSICIAN S OFFICE a specialist in any of the foregoing fields, the doctor had to do a residency and then sit for a special examination; upon passing the physician is referred to as board certified. More minor general care may be delivered by other allied health professionals. These professionals can be a certified nurse practitioner, a registered nurse with a master s degree and additional training in the diagnosis and treatment of common problems, or a physician assistant, formally trained to assist a physician in the practice of medicine and working under the supervision of a physician or surgeon. MDs and DOs To this point, only general practitioners have been mentioned. However, they are different types of general practitioners: medical doctors (MDs) or, even more properly, allopathic doctors and osteopathic doctors (DOs). Both are physicians, but they have similarities and differences: Similarities Both MD and DO applicants have 4 years of undergraduate education, usually with a heavy emphasis in science, usually biology and chemistry. Both MDs and DOs complete 4 years of medical school. After medical school, both DOs and MDs may specialize in areas such as surgery, obstetrics, and radiology. Both DOs and MDs must pass a state licensing examination, very often finding themselves sitting next to each other and taking the same examination. Both usually practice in the same licensed and accredited hospitals. Differences DOs usually take a more general or holistic approach, whereas MDs more often become specialists. DOs receive extra training in the musculoskeletal system and are more likely to manipulate the patient in a therapeutic manner. THE PHYSICIAN S OFFICE The medical practitioner s office is usually organized into the front office (waiting and reception, intake coordinator, appointments, billing, insurance verification, and sometimes a practice manager) and the back office (measurements area, laboratory, imaging, examination rooms, and consultation with the physician). Each function is discussed below.
9 THE PHYSICIAN S OFFICE 9 Before the Appointment Choosing the Physician Many researchers marvel at how little thought and time goes into such an important and critical decision as choosing one s doctor. The physician, who can sometimes determine the health or even save the very life of the patient, is many times chosen because a friend of the patient referred the patient to the doctor with statements such as, You will love this guy, his kids go to school with our kids, and all the magazines in the waiting room are usually current. More research and care might be taken to choose carpet color. At other times the prospective patient moves to a new town and simply searches the yellow pages to find a nearby doctor, relying on who happened to construct the telephone book marketing layout ad. In yet other cases, the patient has limited choices, constricted by which physicians may be in his or her insurance network of providers. At other times, prospective patients may choose to call the local medical society for a referral to a particular type of specialist. Making the Appointment After choosing the physician, the patient usually phones for an appointment. He or she inquires if the physician is accepting new patients and if the physician takes a particular brand of insurance. The intake coordinator inquires as to why the patient wishes to see the physician and how soon the appointment is desired. After checking the physician s schedule, a suitable appointment is arranged. During the Appointment The Front Office After the appointment is secured, the patient travels to the physician s office and then enters the waiting area. This may be pleasant with a flowered walkway, current periodicals, and smiling staff; or it may be on the umpteenth floor of an office building, with a sickly crowded waiting room and harried staff members. It is surprising to many patients that physicians give so little thought to the hospitality aspect of their office. The patient is usually asked to register, to relate a lengthy family and medical history, and to complete insurance forms. He or she will sign a Health Insurance Portability and Accountability Act (HIPAA) form and also a consent form for treatment. The intake coordinator will want to know the form of payment the patient plans to use (Medicare, Medicaid, third-party insurance, self-payment), and a paragraph on the form will state that in the event of rejection by the third-party
10 10 THE PHYSICIAN S OFFICE insurance company, the patient is still responsible for the bill. In most instances, the patient will pay an insurance copayment or must meet his or her insurance deductible for the office visit. In the waiting area there may be a television, coffee or chilled beverages, games for kids to play, overhead music, and magazines to read. Also the patient will probably wait beyond the time of the appointment. The Back Office When the patient is finally called (and names should not be used due to HIPAA confidentiality requirements), they are taken to a measurements room to have his or her height and weight measured, blood pressure taken, and, if diabetic, his or her finger stuck to measure the current blood sugar level. The patient will then be quizzed by the nurse aid, physician s assistant, or certified nurse practitioner to record the reasons the patient is visiting the physician. After the interview, notes are placed in the patient s medical record, and the patient is taken to one of several exam rooms to await the physician. This is actually an efficient way to see patients; each patient is prepped, interviewed, and placed in waiting rooms and the doctor merely moves from room to room, wasting little time and maximizing the number of people she or he treats each hour. (This is especially true when one considers how medicine was practiced just 4 decades ago with house calls. Gone are those days when one could simply phone the doctor and request a house call because the patient was too ill to go to the doctor s office.) In today s busy world, the impracticality of that type of doctor patient relationship does not exist; most doctors will never spend windshield time driving from patient house to patient house. The Physician After yet another wait, the physician will enter the examination room, always accompanied by a nurse to make notes, hand supplies, or take additional measurements (and to protect the physician from later acquisitions of impropriety). During the discussion with the patient and the diagnosis, the physician will carefully tap, prod, push, peer, cajole, or otherwise investigate the patient s complaint, trying to rule out maladies and then determine what is causing the discomfort, sickness, or complaint. More tests may be ordered. An image (x-ray, computed tomography, ultrasound, or magnetic resonance image) may be needed to assist in the diagnosis, or additional laboratory tests may be needed. Medications may be ordered, usually for an allergy or to relieve pain. The illness or pain may be beyond the scope of the physician and a specialist is needed; therefore, a referral is generated and a call is made to schedule the patient to see a more specialized provider.
11 PROFESSIONAL PRACTICE ADMINISTRATORS 11 After the Appointment When the patient exits the office, a billing clerk, receptionist, or even the original intake coordinator will review the physician s report and, if necessary, make an appointment for a follow-up visit. If the physician is astute, a call will be made to the patient in a few days to elicit patient satisfaction information. PROFESSIONAL PRACTICE ADMINISTRATORS In the old days, a physician was boss of the practice; after all, he or she owned it. Physicians would hire and fire, buy supplies, take money to the bank and make the deposit, or one of their relatives would assist, such as their wife, son, or daughter. Often, the practice would grow managers internally. For example, a person is hired to answer the telephones, but as a few years pass he or she becomes the insurance verification person or the billing person. A few more years pass and the person grows in trust and assumes more and more duties and evolves into the medical practice administrator, handling all business affairs for the physician. Although having many years of on-the-job training, the weakness of this model may be that the person who grew into the job may lack formal education in areas such as marketing, accounting, or management. Therefore a new opportunity has risen for those interested in a career in healthcare administration. Instead of setting a goal to become the administrator of a hospital, many graduate students are finding quicker satisfaction, less competition, and nearly equal salary in the field of medical practice administration. These people finish graduate school in healthcare administration and sometimes walk into a position managing a physician s practice. They may have MBA skills, understand marketing and accounting, and, though not experienced in the front and back offices, lend their business skills to successfully managing the practice. Often, physicians practice together, share facilities and employees, and divide overhead, linked together into an independent practice association, a partnership, or some other form of group practice. Members of these non-solo practices want to arrive at work, see patients, and then go home. They became doctors to treat patients, not to interview billing clerks, buy new office equipment, or attend advertising workshops. In contrast, the medical practice administrator is hired to manage the business side of the practice and is paid well to do so. This career model is recommended for those students who are interested in quicker advancement as an alternative to hospital administration. The professional group for hospital administrators is the American College of Healthcare Executives (ACHE); an equally prestigious professional group that is more focused on medical practices is the Medical Group Management Association (MGMA) and its educational wing, the American College of Medical Practice Executives. Jobs are more plentiful, students from graduate programs are more
12 12 THE PHYSICIAN S OFFICE competitive in the workplace than those individuals who have worked in practices but are not formally educated, and salaries are higher earlier in the individual s career (though the salary of a hospital administrator may outpace the medical group administrator in the long run). Both the ACHE and the MGMA organizations have professional advancement criteria; demand attendance in workshops to gain credits to advance; have written examinations covering topics such as accounting, law, management of information systems, and human resources; and have many thousands of members. Perhaps the biggest advantage of membership in either organization is the list of hundreds of jobs that each organization displays. The author recommends membership in either or both as a way to professionally advance in either respective field. CHAPTER SUMMARY Primary care physicians are the gatekeepers of health care. These physicians, either MDs or DOs, are usually the first person to examine, diagnose, and offer treatment to the patient. From here the patient may receive further testing, imaging, or see a specialist for a more in-depth examination and care. Healthcare administration students may choose to pursue a career in assisting physicians in the efficient management of their practice. CHAPTER REVIEW 1. How does a physician become board certified? 2. What is the difference between a DO and an MD? Are they both physicians? What is the difference in the state medical examination that each takes? 3. What is HIPAA, and what is its impact on the patient and the physician s office? 4. Why is consent for treatment absolutely necessary for each patient and each visit? 5. Why is follow-up after the office visit important to the physician s practice? Discussion: A friend of yours has just moved into the area and asks you to recommend a physician. You haven t been there long enough to see a physician yourself. What do you say, and how would you advise your friend to find an appropriate doctor?
13 Chapter 3 Urgent Care Centers: The Doc in the Box Ancillary services Convenience clinics Key Terms Urgent care centers INTRODUCTION Urgent care centers are one of the most rapidly expanding sectors of the American healthcare industry. These are designed to be rapid access outlets for walkin patients who require timely treatment of injuries or illnesses that are not severe enough to necessitate a trip to a hospital emergency department. These consumers do not want to wait for a scheduled appointment with their primary care physician and most often find the urgent care center quick, convenient, and affordable. HISTORY Urgent care centers first began operation about 30 years ago but did not see a rapid expansion until the mid-1990s. It is thought within the healthcare industry that urgent care centers were not accepted by consumers initially because there was no marketing for the centers; consumers simply did not know what services were available, what could be expected, or how much they cost. They simply put their trust in the local hospital s emergency department. An additional reason for the failed expansion is that hospitals were buying the centers as potentially profitable ancillary services while counting on patients to use the urgent care centers as an entry point into the hospital. Hospitals viewed their centers as a downstream part of the marketing chain, the hospital believing that for every group of patients, 13
14 14 URGENT CARE CENTERS: THE DOC IN THE BOX a few would need hospitalization. Because of high overhead (the centers were managed in the same manner as hospitals), the profitability of these centers did not evolve and in many cases they were closed. BUILD THEM AND THEY WILL COME With an understanding of public demand and an entrepreneurial spirit, many primary care and emergency physicians who are weary of 24/7 health care move into urgent care center practices. Burned out by the burden of traditional medical practices and looking for a change from the demanding schedules of office/ hospital practice, some doctors, independently or collaboratively with hospitals, are opening new centers and fueling the growth of urgent care centers. These doctors are finding a new role in medicine by emphasizing high-quality care that is convenient. Marketing the urgent care center is similar to that of a 20-minute oil change center convenience, convenience, convenience at a reasonable price. In addition, many hospital emergency departments now operate urgent care centers that are often adjacent to or within the hospital facility. Patients can go directly to the center or may be assessed in the emergency department through a triage system; if determined to be a low acuity patient (lower than requiring care in a hospital emergency department), they can be sent to the urgent care center for treatment. This then frees the emergency department doctor for true emergencies. The new patient would most likely remain in the hospital s treatment system and, if needed, would be provided continuing care of a more comprehensive nature, resulting in a healthier patient. In a new trend, more and more urgent care centers are specializing in pediatric care. Instead of being in direct competition, they are working in concert with primary care pediatric practices. In many instances, these pediatric urgent care centers are open only during hours that pediatric physician s offices are closed, such as evenings, weekends, and on holidays. SCOPE OF URGENT CARE Although all urgent care centers can treat many problems seen in the primary care physician s office, they can also offer services not normally available in those offices. Examples include: X-ray facilities for basic radiology imaging in the treatment of minor fractures or for chest x-rays In-house laboratory departments for routine blood tests and other diagnostic procedures to prevent the inconvenience of sending to off-site laboratories
15 SCOPE OF URGENT CARE 15 Procedure rooms to set minor fractures and suture average lacerations Prepackaged prescription services (medicines can arrive in prefilled packages, eliminating a trip to the pharmacy to fill a prescription [this is dependent on state law]) On-site physical therapy No continuing supervision is given for chronic conditions. Minor Injuries, Illnesses, Routine Care, and Diagnostics A visit to an urgent care center would be appropriate for any of the following: Minor injuries Sprains, strains, minor fractures Minor injuries associated with automobile accidents First- or second-degree burns Minor eye injuries Minor illnesses Fevers Abdominal pain Sore throat Asthma Ear or eye infections Routine care Allergy injections Sports and school physicals Flu vaccines Diagnostic testing and imaging Urinalysis X-rays Electrocardiograms Pregnancy tests Visits would not be appropriate for conditions that are life-threatening such as chest pain, (which could signal a heart attack), stroke, difficulty in breathing, severe bleeding or pain, loss of consciousness, or when there is any doubt about the seriousness of an illness or injury. Patients should then visit the nearest hospital emergency room or call 911 for help.
16 16 URGENT CARE CENTERS: THE DOC IN THE BOX CONVENIENCE AND LOCATION Urgent care centers are normally found in urban neighborhoods, in retail shopping centers, or in freestanding clinic buildings. Most are convenient and easy to locate, with urgent care centers located in most American cities and often with multiple locations. Consumers are usually elated that there is little or no waiting period to be treated for a minor injury or illness. They can drop in, be treated, pick up medicines, and go home with a feeling of relief in a short period of time. Gone are the long waits in the primary care physician s office (if one can even secure an appointment) or in a crowded hospital emergency department where a patient may wait for hours to receive the same care that can be provided in an urgent care center in less than an hour and at a very fraction of the price. WHO PAYS? Most health insurance plans, including Medicare and Medicaid, cover urgent care, but patients should check their plans to confirm coverage for services and acquire prior authorization when necessary. In most cases, if a patient in a health maintenance organization (HMO) insurance plan contacts his or her primary care physician and is instead told to go to the urgent care center, he or she will pay for the visit directly or will pay a regular office copayment. Some health plans are now charging a higher copay to consumers who use the emergency department for non-emergency care such as bronchitis, ear infection, sinusitis, and strep throat. A call to one s primary care physician or health plan s hotline could help to determine whether to seek care at an urgent care center or in the local hospital emergency department. It is rare that an urgent care center advertises that it will treat anyone regardless of insurance coverage or ability to pay. Usually urgent care centers are proprietary in nature, though at a fraction of the emergency department cost. A few urgent care centers offer a discount membership plan to patients and their families who are without medical insurance. Although it is not insurance, the plan does offer urgent care at affordable rates with proper identification and a membership card at the time services are provided. A reduced fee may even be offered to clients who have high insurance deductibles or perhaps have had a lapse in their health insurance coverage. For employees who suffer on-the-job injuries that can be treated as minor, workers compensation may be filled when the treatment is delivered, and the state usually accepts the treatment within the workers compensation claim process.
17 CONVENIENCE CLINICS 17 CUSTOMER SERVICE AND SATISFACTION Extended hours, enhanced customer service, and low cost are positive characteristics of urgent care centers. There is an increased emphasis on customer service with some urgent care centers, allowing patients to register online through providing required information before going to the center. This advanced onetime registration may keep patients and their families coming often by lowering one of the barriers to entering the center s system. Some urgent care centers are offering to send reports to primary care physicians that describe visits patients have made to the center, yet another step in promoting customer service. Many corporations and city municipalities are utilizing urgent care centers for occupational health. Employer-paid services include workers compensation cases, employment physical examinations, and drug screening. Not only are the centers more convenient for employees and potential employees, they are more cost effective for employers than would be a primary care physician. Urgent care centers can reduce the time spent away from work for medical appointments thereby saving the employer money. HOURS OF OPERATION AND STAFFING As previously stated, most urgent care centers are open for extended hours. Typical hours are 8 a.m. to 8 p.m. Monday through Friday and 11 a.m. to 5 p.m. Saturday and Sunday; other centers provide limited hours on holidays. Normally, at least one physician is on duty accompanied by a nurse practitioner or physician assistant. Additionally, there are medical assistants, lab technicians, x-ray technicians, and office staff. The number of staff depends on the size of the urgent care center and the patient load. Some smaller rural remote centers may have only a nurse practitioner or physician assistant and staff that perform more than one job, from registering patients to giving injections to completing the billing process. These centers, however, still have a physician available for consultation and to review care. CONVENIENCE CLINICS The latest offering in health care for the most basic medical problems at economical prices are convenience clinics, which are set up in retail and grocery chain stores. With multiple facilities, the chains have an advantage of consolidating costs to maximize profit, have name recognition through mass marketing, and, with increased visibility, have created a sense of reliability to consumers.
18 18 URGENT CARE CENTERS: THE DOC IN THE BOX Instead of a physician on duty, convenience clinics are most often staffed by registered nurse practitioners (registered nurses with master s degrees who are allowed to prescribe medications) or with physician assistants who are qualified to evaluate, diagnose, and prescribe medications for common illnesses and to provide some vaccinations and screening as listed below: Common illnesses: allergies, bronchitis, ear infections, sore throat Additional treatment: laryngitis, swimmer s ear Skin infections: athlete s foot, cold sores, insect bites, minor burns, rashes Screenings: pregnancy, allergy testing (18 ) Vaccines: flu, hepatitis B (adult or child), measles, mumps, rubella Convenience clinic hours normally coincide with those of the host retail store. Patients outside the scope of services provided at the convenience clinic are referred to their physician, urgent care center, or emergency room and are usually not billed if they cannot be treated. The negative side of convenience clinics is that there is not a physician on site, which creates a lower level of care and results in these clinics not being allowed to operate in some states. It remains to be seen if this limited level of health care will be widely accepted by the public. FUTURE OF URGENT CARE CENTERS Will the aging population create new demands for urgent care centers? Will the time it takes to secure an appointment with a primary care physician and/or the waiting time spent in overcrowded hospital emergency departments increase the popularity of urgent care centers? Will the millions of people without healthcare insurance look to urgent care centers for affordable acute care? Will the competition between urgent care centers, primary care physicians, and hospital emergency departments make consumers the beneficiaries of improved health care through convenient, quick, and affordable services? It is the author s belief that all of these questions will be answered with a resounding Yes!. CHAPTER SUMMARY Urgent care centers, a recent trend in the delivery of health care, provide a host of advantages to the consumer over the traditional hospital emergency department, not the least of which are money and time. Convenience clinics are even further on the cutting edge, by providing health care in large retail outlets and at
19 CHAPTER REVIEW 19 extended hours. These are not a be-all, end-all provision of care, but used appropriately these centers can provide cost savings and the all important time factor. CHAPTER REVIEW 1. How do urgent care centers differ from hospital emergency departments? List several reasons that are positive and several that are negative. 2. Why are physicians attracted to urgent care practices, as opposed to the traditional family practice model? 3. What factors in society seem to be driving the opening of so many urgent care centers? 4. What care might you seek from an urgent care center? When would you instead choose a hospital emergency department? 5. If a physician assistant or registered nurse practitioner examines and offers treatment to patients, how does the law in your state address the frequency of review by a qualified physician? Discussion: Should states regulate urgent care centers in a different manner from a physician s office practice or that of a hospital emergency department? Why or why not? Is the delivery of all health care the same, or do some delivery models merit different statutes and regulations?
20
21 Chapter 4 The Virtual Doctor s Office Third-party payers Key Terms Virtual office INTRODUCTION More and more citizens are seeking medical advice online, weighing options for treatment and researching more in-depth knowledge about their disease. This can be in advance of seeing their physician, whose office visit may take the inconvenient form of the patient (1) booking an appointment, (2) getting dressed up and driving while not feeling well, (3) finding a parking place and even paying to park, and then (4) discovering that the physician encounter itself may be limited to a 10- to 15-minute rushed affair (the limitations most often imposed by financial incentives or the insurance provider). In an alternative form, the patient s Internet research may follow the physician office visit, much in the manner of seeking a second medical opinion. In either event, the Internet is changing the manner in which primary health care is delivered. In a step beyond the two forms just illustrated (before the physician visit or after the physician visit), many are seeking their physician s knowledge and advice over the Internet in place of any office visit. As patients grow confident in their own Internet skills and as an added result of their Internet medical research and evaluation processes, many patients evolve in their thinking and want to avoid sitting in their physician s office at all, where they would be with other sick people and stale magazines and suffer a long wait. 21
22 22 THE VIRTUAL DOCTOR S OFFICE Physicians are very willing to accommodate this new market force and manner of practicing medicine, with many physicians now seizing the opportunity to practice online as both a supplement and complement to their office practice. ADVANTAGES AND DISADVANTAGES Offering secure consultations and treatment; charges for simple consultations, diagnosis, and treatment; and sometimes provision of prescriptions for noncomplicated conditions can range from $25 to $50. This may be a real bargain for both parties. The physician usually creates a website, letting patients and others know of the new offering of more convenient medical services. When logging onto the physician s site, the patient most often finds that the virtual office fee can be paid by a debit or a credit card. The patient then completes a thorough and systematic history for any of a long host of complaints. The physician, logging on at a convenient time, scans the list of virtual patients, completing a review of their provided information and deciding which patients may be treated in this manner and which patients need to be contacted for an in-person visit. If the patient is not treatable online and must visit the physician, a big advantage is that the information is already in the patient s medical record, saving the receptionist, nurse, and doctor valuable time. This preregistration, insurance update, secure bill payment, prescription refills, lab results, and placement directly in the medical record are also, without a doubt, very convenient for the patient. The physician benefits further because by the patients completing the form by keyboard, their answers are often more comprehensive, accurate, and in better chronological order than a verbal office interview with the patients sitting in their underwear in an exam room, with limited time, with the doctor distracted by other patients and their problems. Another advantage of virtual medicine is that for many patients, discussion of flatulence, incontinence, or erectile dysfunction is easier when addressing their keyboard and computer than in person with the doctor. This virtual interaction may lead to more honest and comprehensive answers. Also, software questions tend to be non-judgmental, and as the software adjusts itself to the preceding answers, better questions and thus more information may be coaxed from the patient and a better diagnosis delivered. Most patients using services of this kind already know their physician. Treatment of this nature can be less expensive for the physician because there is reduced office overhead. Treatment for the patient is also less expensive, and parking problems, inclement weather, and scheduling issues are avoided. Treating patients online may also assist the physician in staying competitive with the increasingly popular simple retail health clinics that treat minor prob-
23 CHAPTER REVIEW 23 lems. Patients can be treated in the same manner, without leaving their home, and with help from their own physician. A disadvantage of the virtual office, however, is that third-party payers (insurance companies, Medicare, and Medicaid) do not cover these online visits. CHAPTER SUMMARY Consumers of health care have grown accustomed to searching the Internet for answers to their maladies, aches, pains, and illnesses, perceived or otherwise. A step beyond this is a visit to their provider, over the Internet, without leaving their homes. The primary care physician can size up the problem, make recommendations, and even have a prescription delivered by only seeing the patient that is at the end of their keyboard, saving time and money for both parties. CHAPTER REVIEW 1. What forms of healthcare delivery can the Internet provide? 2. What are the advantages and disadvantages of online physician visits? 3. How could third-party payers be persuaded to pay for virtual office visits? Discussion: Should a physician always be familiar with or know his or her patient before offering medical advice online? What about problems with high blood pressure, chest pain, or skin allergies? Can these be treated without visually encountering the patient? Could home testing equipment, such as blood pressure cuff or a diabetic home testing system, or could even a web-cam, provide necessary information?
24
Urgent Care. A Brief Overview of Urgent Care and Opportunities in an Era of Health Care Reform. Presented at NCSL, August 2014 A SNAPSHOT
Urgent Care A Brief Overview of Urgent Care and Opportunities in an Era of Health Care Reform Presented at NCSL, August 2014 A SNAPSHOT 1 What Is Urgent Care? Health care provided on a walk in, no appointment
More informationGood health happens together
Good health happens together CITY OF BALTIMORE 2016 HEALTH CARE OPTIONS WHAT S INSIDE BENEFITS OVERVIEW WELLNESS RESOURCES ONLINE TOOLS Thank you for considering UnitedHealthcare. We are proud to again
More informationFAIRBANKS NORTH STAR BOROUGH SCHOOL DISTRICT FAIRBANKS URGENT CARE PA CLINIC PROGRAM
FAIRBANKS NORTH STAR BOROUGH SCHOOL DISTRICT FAIRBANKS URGENT CARE PA CLINIC PROGRAM The Fairbanks Urgent Care PA Clinic Program is a special health benefit program for School District employees and eligible
More informationA Plan For Better Health
A Plan For Better Health Welcome to Crystal Run Health Plans PPO Plans Your health and that of your family is most important. Your health plan should be designed for all your needs giving you access to
More informationAUBURN MEMORIAL MEDICAL SERVICES, P.C.
AUBURN MEMORIAL MEDICAL SERVICES, P.C. Office Policies We would like to thank you for choosing as your medical provider. We have written this policy to keep you informed of our current office policies.
More informationUrgent Care. Snayhil Rana
Urgent Care Snayhil Rana Urgent Care : From the baseline Urgent care centers provide walk in, extended hour access for acute illness and injury care that is either beyond the scope or availability of the
More informationUnited States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014
or after 9/7/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: PPO This is only a summary. If you want more detail about your coverage and
More informationA Guide to Patient Services. Cedars-Sinai Health Associates
A Guide to Patient Services Cedars-Sinai Health Associates Welcome Welcome to Cedars-Sinai Health Associates. We appreciate the trust you have placed in us by joining our dedicated network of independent-practice
More informationYour guide to better health Grow healthy. Live well.
Your guide to better health Grow healthy. Live well. FREDERICK COUNTY PUBLIC SCHOOLS Look Inside Where do I go for health tools and resources? How can I get and stay healthy? What mobile applications are
More informationHow to get the most from your UnitedHealthcare health care plan.
How to get the most from your UnitedHealthcare health care plan. Your UnitedHealthcare health care plan includes many features and benefits that help you get the care you need and enjoy better overall
More informationUpdated as of 05/15/13-1 -
Updated as of 05/15/13-1 - GENERAL OFFICE POLICIES Thank you for choosing the Quiroz Adult Medicine Clinic, PA (QAMC) as your health care provider. The following general office policies are provided to
More informationHEALTH CARE DESIGNED AROUND You.
HEALTH CARE DESIGNED AROUND You. Health care designed around you means... Access to the best care {where you live and work. What does health care designed around you really mean? In a time when health
More informationThe Healthy Michigan Plan Handbook
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). The Healthy Michigan Plan provides health
More informationThe Healthy Michigan Plan Handbook
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). Eligibility for this program will be determined
More informationUnderstanding Your Health Insurance Plan
Understanding Your Health Insurance Plan Slide Catalog for Assisters Updated May 6, 2015 Health Insurance Costs Terms to Know: Premium Premium: The monthly bill you pay to your health insurance company.
More informationStudent Health Service FAQs for the Parent and Family Liaison
1 Student Health Service FAQs for the Parent and Family Liaison Do I need to send my son or daughter with our prescription insurance card to the University Pharmacy (located at the Student Health Service)
More informationA Family Caregiver s Guide to Urgent Care Centers
Family Caregiver Guide A Family Caregiver s Guide to Urgent Care Centers Urgent care centers help fill the gap between a doctor s office and a hospital s emergency room (ER). They provide treatment for
More informationPPO Hospital Care I DRAFT 18973
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.ibx.com or by calling 1-800-ASK-BLUE. Important Questions
More informationSIMPLICITY. 2015 Your Plan Explained
Hello SIMPLICITY 2015 Your Plan Explained PFIZER UnitedHealthcare Group Medicare Advantage (PPO) Effective January 1, 2015, through December 31, 2015 Group Number: 12367, 12368 Benefit Highlights UnitedHealthcare
More informationGEORGIA MEDICAID TELEMEDICINE HANDBOOK
GEORGIA MEDICAID TELEMEDICINE HANDBOOK CONNECTING GEORGIA OVERVIEW The Department of Community Health s (DCH) Telemedicine and Telehealth policies are slated to improve and increase access and efficiency
More informationTelehealth Benefits. Member FAQs
Why do people see doctors online? Telehealth Benefits Member FAQs Telehealth allows for reliable and convenient doctor visits at any time with trained and certified physicians. Patients see a doctor online
More informationUniversity of Arizona Integrative Health Center
University of Arizona Integrative Health Center Frequently Asked Questions created for Maricopa County Employees 1. What is the Integrative Health Center? The University of Arizona Integrative Health Center
More informationHPSM Medi-Cal Benefits
HPSM Medi-Cal Benefits A Guide on How to Get Your Health Care Health care and insurance benefits can be difficult to understand. This guide introduces you to your basic Medi-Cal benefits, to the Health
More informationLicensed Healthcare Providers Guidelines for Telemedicine Using the MyDocNow Platform
Contents 1. Scope of These Guidelines... 2 2. What is Telemedicine?... 2 3. Introduction... 3 4. What Are the Benefits of Telemedicine?... 3 5. Frequently Asked Questions Physician Care and Treatment...
More informationWelcome to INTERIM LSU PUBLIC HOSPITAL & CLINICS SYSTEM INTERIM LSU PUBLIC HOSPITAL
Welcome to INTERIM LSU PUBLIC HOSPITAL & CLINICS SYSTEM INTERIM LSU PUBLIC HOSPITAL Our nationally recognized Level 1 Trauma Center Provides Care to 10 Parishes. Orleans Jefferson Tangipahoa Washington
More informationMichigan Medicaid. Fee-For-Service. Handbook
Michigan Medicaid Fee-For-Service Handbook Table of Contents Introduction Getting Care Services Michigan Medicaid Covers Non-Emergency Transportation Services Emergency Room Care Dental Pharmacy Paying
More informationPatient Resource Guide for Billing and Insurance Information
Patient Resource Guide for Billing and Insurance Information 17 Patient Account Payment Policies July 2012 Update Lexington Clinic Central Business Office Payment Policies Customer service...2 Check-in...2
More informationChoose the Medicare Advantage Plan That s Right for You
Choose the Medicare Advantage Plan That s Right for You Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Other pharmacies/physicians/providers are available
More informationImportant Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
: VIVA HEALTH Access Plan Coverage Period: 01/01/2015 12/31/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document
More informationA GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
More informationANESTHESIA. Anesthesia for Ambulatory Surgery
ANESTHESIA & YOU Anesthesia for Ambulatory Surgery T oday the majority of patients who undergo surgery or diagnostic tests do not need to stay overnight in the hospital. In most cases, you will be well
More informationMember Handbook 312-864- 8200 1-855- 444-1661
Member Handbook 312-864- 8200 1-855- 444-1661 Assistance available for those who are deaf, hard- of hearing, or speech impaired by calling the Illinois Relay DIAL 711 Monday- Friday Visit CountyCare 8am-
More informationGlossary of Health Coverage and Medical Terms
Glossary of Health Coverage and Medical Terms This glossary defines many commonly used terms, but isn t a full list. These glossary terms and definitions are intended to be educational and may be different
More informationMassachusetts. Coverage Period: 7/1/2013 6/30/2014 Coverage for: Individual + Family Plan Type: HMO
Harvard Pilgrim Health Care, Inc. The Harvard Pilgrim Best Buy Tiered Copayment ChoiceNet HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts Coverage Period: 7/1/2013
More informationStrategies for Reduction of Inappropriate Emergency Department Use in the Outpatient Setting
Strategies for Reduction of Inappropriate Emergency Department Use in the Outpatient Setting By Bryce Elizabeth Holland Physician Assistant Student, Expected Graduation August 2014, University of Utah
More informationUnlimited No Copay Model Health care made simple.
Unlimited No Copay Model Health care made simple. Timely access + Lower costs + Quality care Teladoc was founded in 2002 with the vision of tackling the three biggest issues in health care. Health care
More informationMolina Marketplace. We have a plan to keep you healthy.
Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should
More informationThe Patient-Centered Medical Home & You: Frequently Asked Questions (FAQ) for Patients and
The Patient-Centered Medical Home & You: Frequently Asked Questions (FAQ) for Patients and Families What is a Patient-Centered Medical Home? A Medical Home is all about you. Caring about you is the most
More information2014 Southcoast Health Plan Frequently Asked Questions
2014 Southcoast Health Plan Frequently Asked Questions What does Southcoast Health Plan offer me? Southcoast Health Plan provides members with broad access to quality health care at an affordable price.
More informationEVERYTHING YOU NEED TO KNOW. New Yorkers know how to live. We know how to keep them covered.
ENROLLMENT KIT EVERYTHING YOU NEED TO KNOW ABOUT BECOMING HIP New Yorkers know how to live. We know how to keep them covered. JOIN HIP TODAY HIP HEALTH PLAN OF NEW YORK Having great health coverage is
More informationStudent Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
More informationPhysician Assistant Nurse Practitioner. Pre-Health Advising Misty Huacuja-LaPointe Abby Voss Nicole Labrecque
Physician Assistant Nurse Practitioner Pre-Health Advising Misty Huacuja-LaPointe Abby Voss Nicole Labrecque Explore many careers in healthcare ExploreHEALTHCareers Occupational Outlook Handbook Google
More informationYou can see the specialist you choose without permission from this plan.
Summary of Benefits & Coverage All private health plans must use this standard form. The information is laid out the same for every plan, making it easier for you to compare. Worst-case scenario. Add together
More informationHealth Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. HL-14-001 Rev. 08/2015
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance wahealthplanfinder.org 1-855-WAFINDER 1-855-923-4633 HL-14-001 Rev. 08/2015 THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH
More informationDo more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide
Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide H2462_ 82767 Accepted 9/14/2014 H2462_91699_01 Accepted 8/30/2015 WIPlanComp Table of contents Introducing HealthPartners...................................
More informationThe International Student & NIU Student Health Insurance
The International Student & NIU Student Health Insurance 2010 2011 Student Health Insurance Coverage offered through International Students are required to maintain health insurance coverage throughout
More informationWhat is the overall deductible? Are there other deductibles for specific services?
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/cuhealthplan or by calling 1-800-735-6072.
More informationMolina Marketplace. We have a plan to keep you healthy.
Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should
More informationhealth insurance Why It s Important & What You Need to Know
health insurance Why It s Important & What You Need to Know HEALTH INSURANCE: WHY IT S IMPORTANT & WHAT YOU NEED TO KNOW Worry Less: Protect Your Health and Your Wallet No one plans to get sick or hurt,
More informationhealth insurance Why It s Important & What You Need to Know
health insurance Why It s Important & What You Need to Know If you do not have health insurance: Fixing a broken arm can cost up to $7,500 The average cost of a 3-day hospital stay is around Worry Less:
More informationGUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family
GUIDE Your To Public Health Insurance Marketplaces Find Coverage for You and Your Family We are Towers Watson s OneExchange We help you shop for a health plan. We hire and train licensed benefit advisors
More informationMDwise Right Choices Program
Welcome to the MDwise Right Choices Program Helping you get the right care at the right time at the right place. MDwise Right Choices Program What is the Right Choices program? The Right Choices program
More informationCultural Vistas Inbound Frequently Asked Claim Questions (FAQ) (For New J-1 Visa Holders in the U.S.A. as of 5-1-2012)
Specializing in international health insurance for groups. TOLL FREE: 866-433-7462 (within USA) Phone: 607-272-2707 (collect from overseas) FAX: 607-272-2703 EMAIL: claims@iees.com WEB: www.iees.com PO
More informationWilliam O. Reed, Jr. M.D., P.A. 9119 W. 74 th Street, Suite 354 Overland Park, KS 66204 913-432-7200 Fax: 877-492-3737
William O. Reed, Jr. M.D., P.A. 9119 W. 74 th Street, Suite 354 Overland Park, KS 66204 913-432-7200 Fax: 877-492-3737 Workers Compensation Form First Name MI Last Name Sex Date of Birth Social Security
More informationCoverage Period: 8/1/2013-7/31/2014 Coverage for: Insured Student+Dependent Plan Type: PPO. Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.gallagherkoster.com/colgate or by calling 1 877-371-9621.
More informationImportant Questions Answers Why this Matters: In-network: $2,000 Single / $4,000 Family Out-of-network: $3,000 Single / $6,000 Family
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.independenthealth.com or by calling 1-800-501-3439. Important
More informationInformational Series. Community TM. Glossary of Health Insurance & Medical Terminology. (855) 624-6463 HealthOptions.
Informational Series Glossary of Health Insurance & Medical Terminology How to use this glossary This glossary has many commonly used terms, but isn t a full list. These glossary terms and definitions
More informationGREATER HOUSTON RETAILERS: Plan 1 Coverage Period: 01/01/2015 12/31/2015
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.assurantselffunded.com or by calling 1-888-292-0272. Important
More informationPatient Information Booklet. Appointments
Patient Information Booklet The providers and staff of Orchard Medical Center S.C. would like to welcome you to our practice. Patient satisfaction is the commitment we make to every patient seen in our
More informationHead to a Convenience Care Clinic for: Conditions. Vaccines
QUALITY, AFFORDABLE CARE. AND MAKE IT QUICK. Convenience Care Clinic Sinus infection. Rash. Earache. Minor burn. These are all reasons you d want to see your doctor. But what if your doctor isn t available
More informationLarge group benefit comparison
Large group benefit comparison effective January 1, 2015 A guide to choosing the right plan for your business San Diegans choose Health Plan With a range of plans and provider networks, we have the right
More informationEmergency Room (ER) Visits: A Family Caregiver s Guide
Family Caregiver Guide Emergency Room (ER) Visits: A Family Caregiver s Guide Your family member may someday have a medical emergency and need to go to a hospital Emergency Room (ER), which is also called
More informationNational Guardian Life Insurance Company Maine College of Art Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016
J3A59 National Guardian Life Insurance Company This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com
More informationNew England Pain Management Consultants At New England Baptist Hospital
New England Pain Management Consultants At New England Baptist Hospital Pain Management Center Health Assessment Dear New Pain Management Patient, Welcome to the New England Pain Management Consultants
More informationLet us get a DOCTOR TO YOU
100% bulk billed, after-hours, doctor visits in the comfort of your own home Doctor To You provides 100% bulk billed, after hours, doctor visits to homes, in residential aged care facilities, in nursing
More informationImportant Questions Answers Why this Matters: Preferred Provider: $1,000 per Person/2,000 Family
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.wpsic.com or by calling 1-888-915-4001. Important Questions
More informationWelcome to the Student Health & Wellness Services (SH&WS)
Student Health Insurance Plan Information 2014 2015 Welcome to the Student Health & Wellness Services (SH&WS) Cleveland State University offers health care to all students of the University community.
More informationGet healthy. Stay healthy. Kaiser Permanente. Kaiser Permanente. Health Plan. kp.org
Get healthy. Stay healthy. Kaiser Permanente Kaiser Permanente Student Student Health Plan Health Plan w i t h d e d u c t i b l e kp.org Table of Contents The Basics 3 How It Works 4 Frequently Asked
More informationA DOCTOR IS ALWAYS. Access to affordable, quality, non-urgent care when you need it 24/7/365
A DOCTOR IS ALWAYS Access to affordable, quality, non-urgent care when you need it 24/7/365 Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company. A doctor is
More informationStonebridge Adult Medicine, P.A. Registration Form (Please Print)
Stonebridge Adult Medicine, P.A. Registration Form (Please Print) PATIENT INFORMATION Last Name: First Name: Is this your legal name? Yes No If not what is your legal name: Date of Birth: Sex: male female
More informationWhat is a freestanding emergency room?
What is a freestanding emergency room? How this article can help you: This article will tell you what a freestanding emergency room is, what it treats, and how it differs from a hospital emergency room
More informationHealthy Michigan MEMBER HANDBOOK
Healthy Michigan MEMBER HANDBOOK 2014 The new name for Healthy 1 TABLE OF CONTENTS WELCOME TO HARBOR HEALTH PLAN.... 2 Who Is Harbor Health Plan?...3 How Do I Reach Member Services?...3 Is There A Website?....
More informationMassachusetts. Coverage Period: 07/01/2014 06/30/2015 Coverage for: Individual + Family Plan Type: HMO
Massachusetts Harvard Pilgrim Health Care, Inc. The Harvard Pilgrim Best Buy Tiered Copayment ChoiceNet HMO-WSHG Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period:
More informationhow to choose the health plan that s right for you
how to choose the health plan that s right for you It s easy to feel a little confused about where to start when choosing a health plan. Some people ask their friends, family, or co-workers for advice.
More informationSt. Mary s College. of California. Student health plan handbook. Janis E. Carter, Health Net Supporting our members behavioral health needs.
Commercial St. Mary s College of California Student health plan handbook Janis E. Carter, Supporting our members behavioral health needs. Jesus Hao, Ensuring your plan information is up to date. Welcome
More information: TRADITIONAL HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs
: TRADITIONAL HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2016 12/31/2016 Coverage for: Individual + Family Plan Type: HMO This is only a summary.
More informationStudentBlue University of Nebraska
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO What is the overall deductible? This is only a summary. If you want more details about
More informationImportant Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.summitamerica-ins.com/wscc or by calling 1-800-955-1991.
More informationWhat is the overall deductible? $250 per person/$500 per family. Are there other deductibles for specific services? No.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.etf.wi.gov or by calling 1-877-533-5020. Important Questions
More informationSee the Common Medical Events chart for your costs for services this plan covers. Are there other deductibles for specific services?
CA SignatureValue Alliance Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What This Plan Covers & What it Costs Coverage for: Employee/Family Plan Type: HMO This is only a summary.
More informationINTRODUCTION TO HEALTH CAREERS
INTRODUCTION TO HEALTH CAREERS Pre-Health Advising Nicole Labrecque-Blue, Program Manager Abby Voss, Assistant Director We don t just advise pre-med Agenda Exploration Resources Introduction to a few Healthcare
More informationElderCare Medicare Health Plan Analyzer
ElderCare Medicare Health nalyzer 1999 Prism Innovations, Inc. All Rights Reserved ElderCare Medicare Health nalyzer Table of Contents Introduction 2 Explanations of New Health Plan Options 3 Analysis
More informationYour Health Insurance: Questions and Answers
Your Health Insurance: Questions and Answers This simple guide will help you understand how to use and keep your health insurance Meet four people with questions about their health insurance: George is
More informationNational Guardian Life Insurance Company: Rider University International Student Health Insurance Plan Coverage Period: 08/20/2015-08/20/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
More informationInformation for Our Patients
Information for Our Patients Locations Artemis Health 2561 Lac De Ville Boulevard, Suite 202 Rochester, NY 14618 585-244-7330 Greece Health Center 470 Long Pond Road Rochester, NY 14612 585-227-7600 Irondequoit
More informationMassachusetts. Coverage Period: 1/1/2015 12/31/2015
Massachusetts The Harvard Pilgrim Hospital Prefer Best Buy Tiered Copayment HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/1/2015 12/31/2015 Coverage for:
More informationEven though you pay these expenses, they don t count toward the out-ofpocket limit.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
More informationImportant Questions Answers Why this Matters: What is the overall deductible?
Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Is there an out of pocket limit on my expenses? What is not included in
More informationYou should have already received your 2013 SIHO insurance card. An updated summary of benefits and coverage (SBC) is packaged alongside this letter.
Dear IU Health Bloomington Group Health Plan member, You are receiving this letter to help keep you up-to-date on important changes and remind you of important details about your 2013 Indiana University
More informationHealth Insurance Matrix 01/01/16-12/31/16
Employee Contributions Family Monthly : $121.20 Bi-Weekly : $60.60 Monthly : $290.53 Bi-Weekly : $145.26 Monthly : $431.53 Bi-Weekly : $215.76 Monthly : $743.77 Bi-Weekly : $371.88 Employee Contributions
More informationThis is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.kaiserpermanente.org or by calling 1-800-464-4000. Important
More informationA GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
More informationImportant Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
Anthem Blue Cross Stanislaus County: Custom EPO Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type:
More informationBCSC Health Center Information
BCSC Health Center Information Welcome Packet BCSC Health Center 1950 Doctors Park Drive Suite C Columbus, IN 47203 Phone: 812.375.8810 Fax: 812.375.8879 Website: www.bcsc.k12.in.us/bcschealthcenter Frequently
More informationMaximizing Efficiency and Productivity in Your Rural ER. Bruce Penner, RN David D. Luehr, MD
Maximizing Efficiency and Productivity in Your Rural ER Bruce Penner, RN David D. Luehr, MD Can we afford to continue as we are? What if your ER had to pay for itself? What if you were rated on patient
More informationPOS. Point-of-Service. Coverage You Can Trust
POS Point-of-Service Coverage You Can Trust Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees of the Blue Cross and Blue Shield Association. Coverage
More informationEVIDENCE OF COVERAGE. A complete explanation of your plan. Health Net Green (HMO) January 1, 2010 December 31, 2010
EVIDENCE OF COVERAGE A complete explanation of your plan Health Net Green (HMO) January 1, 2010 December 31, 2010 Important benefit information please read H0755_2010_0389 10/2009 January 1 December 31,
More informationQuick Guide 2016. Peoples Health Choices 65 #14 (HMO) Jefferson, Orleans and Plaquemines parishes
Quick Guide 2016 $0 mium* Plan Pre Peoples Health Choices 65 #14 (HMO) Jefferson, Orleans and Plaquemines parishes *You must continue to pay your Medicare Part B premium. H1961_PH16C65S1QG Accepted Thank
More informationL.A. Care s Medicare Advantage Special Needs Plan
L.A. Care s Medicare Advantage Special Needs Plan Summary of Benefits 2008 for people with Medicare and Medi-Cal Thank you for your interest in L.A. Care Health Plan. Our plan is offered by L.A. CARE
More information